BlastPoint's Credit Union Scorecard
INOVA
Charter #4968 · IN
INOVA has 4 strengths but faces 12 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 85.7% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.6% in tier
- + Total Loans: Top 1.2% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 8.8% in tier
- - Shrinking Wallet Share: Bottom 25.6% in tier
- - Liquidity Strain: Bottom 32.6% in tier
- - Efficiency Drag: Bottom 73.2% in tier
- - ROA 0.76% below tier average
- - Efficiency ratio 2.95% above tier (higher cost structure)
- - Delinquency rate 0.15% above tier average
- - Deposit Growth Rate: Bottom 5.5% in tier
- - AMR Growth Rate: Bottom 5.5% in tier
- - Asset Growth Rate: Bottom 6.1% in tier
- - Net Worth Ratio: Bottom 6.7% in tier
- - Net Charge-Off Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,545
+1.0% YoY+0.1% QoQ
|
+9.0K |
38,575
-4.8% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$655.7M
-4.0% YoY-1.1% QoQ
|
+$34.0M |
$621.7M
+0.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
65% |
| Loans |
$598.2M
-3.9% YoY-1.4% QoQ
|
+$168.3M |
$429.8M
-1.8% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 1.8% in tier |
| Deposits |
$518.5M
-4.3% YoY-1.4% QoQ
|
$-20.2M |
$538.7M
+0.6% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
-0.1%
-182.3% YoY-34.3% QoQ
|
-0.8% |
0.7%
+42.9% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.0% in tier |
| NIM |
3.4%
+9.4% YoY+2.0% QoQ
|
-0.0% |
3.4%
+8.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
80.5%
+9.9% YoY-0.0% QoQ
|
+2.9% |
77.5%
-4.1% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
1.0%
-17.5% YoY-0.3% QoQ
|
+0.1 |
0.8%
-1.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
115.4%
+0.4% YoY-0.0% QoQ
|
+35.5% |
79.8%
-2.3% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 1.2% in tier |
| AMR |
$23,486
-5.1% YoY-1.4% QoQ
|
$-3K |
$26,849
+2.7% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
37.3%
+0.1% YoY-2.5% QoQ
|
+12.9% | 24.4% | 19.3% | 19.8% | Top 10.6% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (4)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)